Improve your score

Apply for a $500 credit card for the lender you will apply for a mortgage with and pay it on time.

Don’t apply for loans that you don’t need. You want to minimise the number of enquiries on your credit file.

Stay in your current address and job for as long as possible.

Open a savings account and save as much as you can.

When you apply for your mortgage

Apply with a lender that has lenient credit scoring.

Include all of your assets in your application such as you cheque account, savings account, furniture, car, superannuation and shares.

Don’t borrow to your limit.

Be careful with your loan purpose as some are not accepted.

Which lender should I apply with?

There isn’t much point in opening a credit card with a lender to build a history with them, if that lender would never approve your loan anyway!

By speaking to our mortgage brokers you can find out which bank is likely to help you and then you can begin to build a history with them.

We are specialist mortgage brokers who understand the credit scoring systems used by the banks. Please call us on 1300 889 743 or enquire online and we can then help you to improve your credit score and apply with a lender that can accept your situation.

To get a free copy of your credit file, you can write to Veda Advantage and get it within 14 days. If you want it right away, you can apply on Veda’s website but you’ll have to pay a fee. If you’re a customer of ours then you can simply ask us to email you a copy of your file.

emilypearlso

Today, my new score is 775 out of a possible 850; my Vantage score is 990 out of 990; my auto score is 905 out of 950; and my home score is 912 out of 950. All scores computed from the same database on the same day. Why the variances? Use of different algorithms. Who controls the algorithms? The rating agencies..What can you do about it—-nothing! I filed a complaint against the rating agencies in 2010 to the FTC, and to date, they have acknowledged receipt
but have not responded..They are not going to repond. The rating agencies run wild.I don’t need new credit. I am 73 years old, and have assets. However, I do pay auto and home insurance each year and not having my home and auto scores maxed-out affects what I pay for home and auto insurance each year. Probably costs me several hundred dollars for my private residence and rentals.
I repeat, the credit rating agencies have more power over your financial life than you can imagine, and they report to no one. Not one government agency will get involved in the algorithms used by rating agencies. It’s their call. Not even the new Consumer Protection Agency will touch this subject. I know. I tried to get them involved but got disappointed..As usual no response..I was able to put a full stop to through the help of a young man and now my scores are what I want it to be..He’s honest and very intelligent..The way he worked it all out I have no idea but he did..You should contact him today he will help change your life..eliterealhack(AT)gmail(DOT)com.

Mosby

I have no credit history and I’d rather buy as soon as possible so can I get a home loan despite being credit invisible?

You can borrow up to 95% of the purchase price with lenders that don’t credit score but you still must be credit worthy, which the lender will use common sense and their guidelines instead of relying on a simply computer generated decision. Please check out the low credit score home loan to see if you can qualify for this, and you can enquire online directly through there:https://www.homeloanexperts.com.au/credit-score-home-loan/no-credit-score-home-loan/

McMillan, R

These tips helped me improve my credit score a bit. Now what can I do to improve my borrowing power?

Hi McDonald.
One of our lenders can consider assessing your loan using 100% of your rent income. In addition to this, they’ll also assess your existing debts at the actual repayments rather than at a loaded assessment rate. This can drastically increase your borrowing power.

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jeffery

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